There are some things that any taxi insurance policy needs to have as standard. A basic level of cover will of course be essential, growing to third party fire and theft or even fully comp, with the specific features varying according to insurance firms and price ranges. But, no matter what you get from your insurance policy there’s one aspect that should always be considered—breakdown assistance. But do you really need it, or is it just another added extra that puts the price up without bringing any benefit?
Well, in a lot of cases yes, you really do need it. Just think about it for a moment—you’ll be on the road for an enormous length of time, far longer than if you were to drive a regular vehicle, and that means you’re statistically more likely to be involved in an accident or break down. It isn’t nice to contemplate but it’s worth bearing in mind nonetheless, because you wouldn’t want to be stuck at the side of the road without assistance and nor would you want to pay the often extortionate rates to get towed away, so doesn’t it make sense to be prepared?
Most insurance firms will be able to include this as part of a wider insurance package, and it needn’t cost that much to include it. Having it there can be invaluable should you need it, ensuring you’re not wasting time or money, being a great way to help protect your finances. Of course, if you’re lucky enough to never break down then having this kind of cover won’t have made a whole lot of difference, but it’s all about being prepared—the negligible impact it’ll have on your premiums means that it should always be considered, and besides, isn’t insurance of all kinds meant to be a safety net?
By having it in place you can have peace of mind that if you were to break down you wouldn’t be left stranded, because it’d be typical to remove it from your policy only to break down the next day. So, don’t run the risk—if you want to be prepared whilst protecting your finances then yes, you really do need breakdown assistance in your taxi insurance policy, and if you make sure to discuss your needs with your insurer you can be safe in the knowledge that a breakdown doesn’t have to be disastrous.